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    • I have just read the smaller print on their signs. It says that you can pay at the end of your parking session. given that you have ten minutes grace period the 35 seconds could easily have been taken up with walking back to your car, switching on the engine and then driving out. Even in my younger days when I used to regularly exceed speed limits, I doubt I could have done that in 35 seconds even when I  had a TR5.
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    • Thank you for posting up the results from the sar. The PCN is not compliant with the Protection of Freedoms Act 2012 Schedule 4. Under Section 9 [2][a] they are supposed to specify the parking time. the photographs show your car in motion both entering and leaving the car park thus not parking. If you have to do a Witness Statement later should they finally take you to Court you will have to continue to state that even though you stayed there for several hours in a small car park and the difference between the ANPR times and the actual parking period may only be a matter of a few minutes  nevertheless the CEL have failed to comply with the Act by failing to specify the parking period. However it looks as if your appeal revealed you were the driver the deficient PCN will not help you as the driver. I suspect that it may have been an appeal from the pub that meant that CEL offered you partly a way out  by allowing you to claim you had made an error in registering your vehicle reg. number . This enabled them to reduce the charge to £20 despite them acknowledging that you hadn't registered at all. We have not seen the signs in the car park yet so we do not what is said on them and all the signs say the same thing. It would be unusual for a pub to have  a Permit Holders Only sign which may discourage casual motorists from stopping there. But if that is the sign then as it prohibits any one who doesn't have a permit, then it cannot form a contract with motorists though it may depend on how the signs are worded.
    • Defence and Counterclaim Claim number XXX Claimant Civil Enforcement Limited Defendant XXXXXXXXXXXXX   How much of the claim do you dispute? I dispute the full amount claimed as shown on the claim form.   Do you dispute this claim because you have already paid it? No, for other reasons.   Defence 1. The Defendant is the recorded keeper of XXXXXXX  2. It is denied that the Defendant entered into a contract with the Claimant. 3. As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner. Accordingly, it is denied that the Claimant has authority to bring this claim. 4. In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5. The Claimant is attempting double recovery by adding an additional sum not included in the original offer. 6. In a further abuse of the legal process the Claimant is claiming £50 legal representative's costs, even though they have no legal representative. 7. The Particulars of Claim is denied in its entirety. It is denied that the Claimant is entitled to the relief claimed or any relief at all. Signed I am the Defendant - I believe that the facts stated in this form are true XXXXXXXXXXX 01/05/2024   Defendant's date of birth XXXXXXXXXX   Address to which notices about this claim can be sent to you  
    • pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’.  Choose ‘Create sign in details’ to register for the first time.  You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID.  You should make a note of your memorable word, or password as these are not included in the email.<<**IMPORTANT**  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .get a CPR 31:14 request running to the solicitors https://www.consumeractiongroup.co.uk/forum/showthread.php?486334-CPR-31.14-Request-to-use-on-receipt-of-a-PPC-(-Private-Land-Parking-Court-Claim type your name ONLY no need to sign anything .you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform.
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      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

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      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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ALAN v LLOYDS ****WON****


Alan Rose
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Good on You Killsville

 

When is this Bank going to realise that we are not playing games, but only claiming back what is rightfully ours, all the best in your claim

and let em have it

 

Regards

 

Alan:)

 

No problem Alan. That's the way I'm going to tackle it.

 

Incedentally, I think I put in my own thread about making a complaint to Collection. Well, today I've had a reply from them and it is almost word for word, the smae as the letter you received. I'm now going to draft a letter that they will be forced to reply fully to.

 

By the time I'm finished, TSB will regret having taken me on as a customer!

 

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Alan,

 

The bank are that stupid that they will never realise - not even after they've paid us what we're owed.

 

Less than a week after sending my SAR, they've sent my statements - the first decent thing they've ever done.

 

I even got a copy of my notes and have found errors in them, so thats another complaint letter going in! They are going to just love me!

 

I'm sure I'll cope with the pressure!

 

Remember what Winston Churchill said, "We'll fight them on the beaches". Now we're going to fight them in the banking halls!

 

Keep at it Alan!

 

Andy

31/10/06 Lloyds TSB - S.A.R - (Subject Access Request) Sent - Lost by Royal Mail!

24/11/06 2nd S.A.R Sent - Confirmed as Received 25/11/06 10.38am

30/11/06 Statements Received

6/12/06 Preliminary Request Sent

21/12/06 Sod Off Received (With £750 offer!)

22/12/06 LBA Hand Delivered to Branch. Merry Xmas TSB!

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keep at it guys you're doing ok, have a look at my thread in Lloyds and you'll see my battle and time line.

Freebird x

1/6/06 request charges

16/6/06 received charges

18/6/06 first request for refund

3/7/06 "No" letter from bank

13/7/06 LBA

7/08/06 handed claim to court

10/8/06 court stamped as date of issue

24/8/06 deemed to be served

25/8/06 Sechiari filed acknowledgement of service

6/9/06 defence served

9/9/06 copy of defence and AQ received by me

25/9/06 deadline for AQ submission

25/9/06 call Sechiari confirm safe receipt of my AQ

26/9/06 received copy AQ from Sechiari

29/9/06 letter to SCM to say "you want 1 month to settle, so settle"

18/10/06 after "strained communications"and how !

verbal offer of full settlement with conditions

communications rejecting conditions from me

5/11/06 received letter offering settlement with conditions

7/11/06 sent fax rejecting conditions etc

14/11/06 unconditional settlement in bank and how !;)

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  • 2 weeks later...

Hi All

 

Lloyds have 2 more days to answer if they are going to answer my LBA. however i think that i will have to wait a little lomger to start court action with them as they have just hit me for another £96 and funds are a bit short with christmas looming, i am sure you understand, however i have been reading through some other threads on this site and it has been suggested that if you are in recipt of Family Tax Credits you may be entitled to a reduction in court Fees, my question is if anyone can answer is we are in recipt of Child Tax Credit is this the same as family tax credit or not

 

Any help would be most welcome

 

Regards

 

 

Alan:)

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Hi Alan!

Yep, got to same stage on 6/12,but due to another £145 in charges am having to wait until next pay day to complete court claim. But I will. Just to let you know, though, that my local small claims court waiting time is approx 3 months before it comes to court. So don't expect instant results!!

Maybe we could hit them with court claims on the same day???

Steph

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Hi All Again

 

As you are aware i have just been hit by Lloyds for another £96.00 due to be taken out Today, could anyone tell me how strindgent are the courts to the six year entitlement, as my six years claim runs from 13/10/2000 to 14/08/2006, would i be able to add on this latest charge or would i have to start another claim at a later date ??. as i would not like them to get away with a penny of my money.

 

Regards

 

Alan

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Will make sure I watch it as well.

 

Might even record it and drop a copy off at my local branch! It will give them something to watch in their dinner hour!:D

31/10/06 Lloyds TSB - S.A.R - (Subject Access Request) Sent - Lost by Royal Mail!

24/11/06 2nd S.A.R Sent - Confirmed as Received 25/11/06 10.38am

30/11/06 Statements Received

6/12/06 Preliminary Request Sent

21/12/06 Sod Off Received (With £750 offer!)

22/12/06 LBA Hand Delivered to Branch. Merry Xmas TSB!

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Maybe we could hit them with court claims on the same day???

 

Let me know what day and I'll probably join you!:D

 

Do you know what, I'm actually starting to enjoy myself doing this claim thing!

31/10/06 Lloyds TSB - S.A.R - (Subject Access Request) Sent - Lost by Royal Mail!

24/11/06 2nd S.A.R Sent - Confirmed as Received 25/11/06 10.38am

30/11/06 Statements Received

6/12/06 Preliminary Request Sent

21/12/06 Sod Off Received (With £750 offer!)

22/12/06 LBA Hand Delivered to Branch. Merry Xmas TSB!

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....but due to another £145 in charges am having to wait until next pay day to complete court claim.

 

Just think of it as a savings scheme! It's another £145 they are going to have to give you back. (With a little bit of interest for the inconvenience!)

31/10/06 Lloyds TSB - S.A.R - (Subject Access Request) Sent - Lost by Royal Mail!

24/11/06 2nd S.A.R Sent - Confirmed as Received 25/11/06 10.38am

30/11/06 Statements Received

6/12/06 Preliminary Request Sent

21/12/06 Sod Off Received (With £750 offer!)

22/12/06 LBA Hand Delivered to Branch. Merry Xmas TSB!

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Haha! Mass court claim! Let's bankrupt the banks!!

Re. the moneywise programme on BBC2 tonight- husband has seen a trailer. He tells me that they actually calculate the bank's true charges for a returned cheque. Would be definitely worth recording and/or taking notes.

Steph:D

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Sorry to bore you but!!

This is The Times write up about tonight's Money Programme that I've been going on about. Happy viewing, and I promise I won't go on anymore!

 

BANK ROBBERY!

BBC Two, 10pm A tremendous Money Programme shows the extent to which British high street banks appear to be breaking the law. The OFT says the cost of penalty charges (for bounced checks and unauthorised overdrafts) should not exceed what it costs the banks to deal with the default. If they charge more, the charge is illegal, which allows customers to reclaim all the penalties they have incurred over the past six years. The banks say, “Hmm, yes, well, it’s difficult to compute the exact cost of dealing with a default.” So The Money Programme, ever willing to help, commissioned banking experts to work it out for them. The high street banks won’t be happy with their findings

 

 

Steph;)

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Have just looked at the BBC website for the TV listings.

 

The programme is called "Bank Robbery!"

 

How true!

 

45 minutes to go - I can't wait.

31/10/06 Lloyds TSB - S.A.R - (Subject Access Request) Sent - Lost by Royal Mail!

24/11/06 2nd S.A.R Sent - Confirmed as Received 25/11/06 10.38am

30/11/06 Statements Received

6/12/06 Preliminary Request Sent

21/12/06 Sod Off Received (With £750 offer!)

22/12/06 LBA Hand Delivered to Branch. Merry Xmas TSB!

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Great programme!

 

So it costs the banks somewhere between £2.50 and £4.50 - a bit different to their idea of what it costs.

 

Did anybody notice how petrified the lady from the British Banking Association looked? She didn't do a very good job of convincing us that they are actually 'Service Charges' and not Penalty charges.

31/10/06 Lloyds TSB - S.A.R - (Subject Access Request) Sent - Lost by Royal Mail!

24/11/06 2nd S.A.R Sent - Confirmed as Received 25/11/06 10.38am

30/11/06 Statements Received

6/12/06 Preliminary Request Sent

21/12/06 Sod Off Received (With £750 offer!)

22/12/06 LBA Hand Delivered to Branch. Merry Xmas TSB!

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Check this out then

 

BBC NEWS | Business | Are penalty charges bank robbery?

 

 

And by the way I'd like to pick up on a point you said 'lets bankrupt the banks'

Even if everyone who ever visited this site got all their money back we'd still be small fish, for years they have screwing us over, bankrupt nope but I hope it hurts when I get my slice back....

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Hi Everyone

 

While i wait for funds for court action, i am in the process of helping out a mate of mine to start his claim, and would like some advice please

He has 2 accounts with the same bank and has asked if he needs to send £10 for each account as payment for statements or will £10 cover both, and i said i would ask you clever people here for the answer

I thought the program on BBC2 last night was excellant and the title was really good, it can only make our cases more justified

 

Regards

 

Alan:)

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The cost is for £10 for both because you are asking for a request for data held on file about you from that company irrespetive of how many accounts you have. In most instances people are being specific about the data ie. Current Account

 

That said when I asked for my statements I asked the bank I wasn't with to send me a bill and the bank I am with to debit my accont, both replied that there wouldn't be a charge this time. Saved myself £20

 

I missed the program, going to check out the torrents to see if its downloadable, what was the title

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  • 2 weeks later...

Hi Alan

Right, interesting one this... This a.m I have received a letter from Lloyds, basically offering me £750. The succinct version goes:

 

"Generally we don't agree to adjust any of these charges, but I can tell you that on this occasion we are prepared to reduce the charges by repaying you £750.... This sum will be credited to your account in the next few days..."

This letter arrived 16 days after the LBA set deadline. Now, I don't know if anyone can advise me? I obviously do not want to leave the claim there as the total amount owed to me (inc interest) is £4204. I am assuming as this is a "goodwill gesture" and I have neither accepted or decline the offer that I can still go ahead and process my claim (now minus £750)?

If yes, how ironic... they have now paid money to me that I will use to pay for my claim!!

Hope someone can help...!

Have a great Christmas all!

Steph:)

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